Non-Surgical Fat Removal Financing

Can fat be removed without surgery?

Yes, there are several different types of non-invasive procedures to remove fat (covered below) which kill off fat cells without penetrating the skin. These dead cells are then naturally removed by the body.

What are the different types of non-surgical fat removal?

The most common form of fat removal is liposuction, but this is an invasive procedure and there are now many non-invasive fat removal procedures that can help slim the body and eliminate cellulite. The different types available to you are:

• Cryolipolysis (such as CoolSculpting) - where cold temperatures are used to break down fat cells which are then removed by the body
• Injection lipolysis (such as Kybella) - where a chemical (deoxycholic acid) kills off fat cells
• Radiofrequency lipolysis (such as Vanquish) - where radio frequencies are used to heat the fat and kill it
• Laser lipolysis (such as SculpSure) - where a laser heats fat cells and kills them

What is non-surgical fat removal financing?

Non-surgical fat removal financing is any form of borrowing you do to pay for your non-invasive fat removal treatment. This is usually a personal loan, but it can also be a credit card, line of credit, or another option we’ll discuss later.

How does non-surgical fat removal financing work?

If you use a personal loan, whether it be through the practice you’re getting your treatment at or through an external lender, you’ll borrow a lump sum to pay for the treatment and any associated costs. You then pay it back plus interest via monthly repayments over a term of 2-5 years (though this can vary).

How much does non-surgical fat removal cost?

The cost will depend on where you’re having your treatment, what type of treatment you choose, and how many areas you want to treat. That said, the average cost is $900 - $1,400 per treatment area.

What is the safest non-surgical fat removal procedure?

Any of the methods listed above are safe - they have been tested and shown to kill fat cells and not the surface skin cells or any other cells in the body, either by heat or cold. The most important thing is to get your treatment at a reputable center. Choose a plastic surgeon or a well-reviewed cosmetic practice.

What are the costs associated with non-surgical fat removal?

Non-surgical fat removal treatments are no more testing for the body than something like a chemical peel, so you won’t need to undergo general anesthesia and most do not even require a local anesthetic. Most treatments can be done within an hour and do not need any supportive garments, leaving you free to get on with your life as normal.

What kind of results can I expect from non-invasive fat removal?

This does vary from patient to patient and most find that they need multiple treatments to achieve their desired (more dramatic) results. Unlike liposuction, non-invasive fat removal has limited ability to sculpt the body, so you’re simply reducing your fat by a percentage your surgeon or practitioner can estimate for you. It is best used to reduce fat in stubborn areas, such as a double chin, belly bulge, love handles, saddlebags, thighs, and any areas with cellulite.

How can I finance non-surgical fat removal?

Here are the most popular options for financing non-invasive fat removal:

• Savings: A single non-surgical fat removal procedure is usually relatively affordable, and so it is often a good idea to look to your savings first. If you plan to have multiple treatments, you may need to liquidate some assets to afford it, where possible. Make sure you are aware of the results you’ll get with a non-invasive procedure compared to liposuction and make sure you’re making the most time and cost-effective decision for you.

• Credit Cards: Credit cards can also be a good way to cover the cost of one or two treatments, provided you have a good enough credit score to get a card with a good introductory offer. Look at cards offering long 0% APR terms or long low-interest introductory offers.
• Personal Loans: a personal loan is one of the best choices if you plan to have multiple treatments or want to spread the cost of your treatment over a longer term. How much you can borrow depends on your creditworthiness, but most won’t lend less than $1,000 - $5,000. See our “Best Non-Surgical Fat Removal Personal Loans” section below for those that offer smaller amounts.
• HELOC: A Home Equity Line of Credit isn’t likely going to be the right option for non-surgical fat removal financing, unless you plan to have multiple procedures over time - in which case it may be the right choice. A line of credit works much like a credit card as you are given a credit limit and can borrow as you need up to that amount, and only pay interest on what you’ve used. These usually have higher amounts and lower interest because they are secured against the value of your home, but you should also keep in mind that they come with the risk of your home being seized if the worst was to happen.
• 401(k) Loan: If your retirement 401(k) plan allows you to take out a loan from your retirement balance, you can use it to pay for your procedure. Not all 401(k) plans allow this and they usually have strict repayment rules, but they are a good way to avoid credit checks and paying interest.
• In-House Financing: Most practices and cosmetic surgeons offer some form of in-house financing through a partner lender, so you can investigate their payment plans, if they’re offered. Make sure you compare them to external options to get the best rates.